Until now, the use of Bizum in the professional sphere was limited to online purchases, with informal implementation in some businesses. This expansion offers consumers a new payment option, initially available for customers of CaixaBank, Bankinter, and Banc Sabadell, with a progressive extension to other entities and the forecast of reaching all of Europe by the end of the year.

The European Union has promoted the adoption of its own payment systems, such as Bizum, with the aim of retaining transaction data within the European economy. Currently, most of this data, especially that derived from the use of cards controlled by American companies like Visa and Mastercard, leaves the continent. Furthermore, the shift towards Bizum could contribute to greater fiscal traceability of operations.

Experts predict that cash will continue to exist, but they see Bizum as a significant competitor to cards. The professor of Economics and Business at the Universitat Oberta de Catalunya, Neus Soler, points out that adoption will depend on the customer's age and the speed of implementation, highlighting that younger generations are more accustomed to mobile payments. A key advantage of Bizum is the immediacy of the transaction, unlike cards, where money can take between 24 and 72 hours to be credited to the establishments' accounts.

Despite the benefits, some businesses express reservations. From the Comertia association, which groups 3,200 establishments, it is considered that payment with Bizum can be slower than with a card, potentially leading to queues and the need for more staff. Concerns also arise regarding bank commissions, which they claim are higher than those for cards. In contrast, the hospitality and restaurant sector, represented by the International Federation of Hospitality, Restaurant and Tourism, is more open to adaptation, with many bars and restaurants already preparing their POS terminals to accept Bizum.